DIY projects can be an easy way to prevent an insurance claim and keep our families safe. Homeowners can do a multitude of things in their spare time to be a proactive part of preventing claims. Below is a list of simple ways to help prevent insurance claims and keeping our families safe.
1. Clean out your gutters
As simple as this sounds, many homeowners forget to clean out their gutters and can cause a world of problems. The gutters could sag, cause water to enter the home, and even attribute to mold! This DIY project should be done twice a year to help prevent an insurance claim.
2. Inspect your tress
Every once in a while, you should take a moment to look up at the trees around your property. Not just a quick glance, but a real good look. What you see may surprise you. Broken, cracked, and dangling branches are good indicators that you may have a problem. If you see anything you may have questions or concerns on, you should contact an arborist to come out and verify that it is safe or needs to be corrected.
3. Inspect your chimney
Make sure you put on some old clothes, respirator, and safety googles for this dirty DIY job. Over 25,000 chimney fires occur every single year. Look for cracks and loosened joints. Make sure the damper is moving freely. Use a flashlight to look up to see if there is any damage. If you have any questions, don’t guess. I would highly recommend to bring in a trained professional to be certain that any damage if fixed correctly.
4. Add a security system to your house
In a 2003 study from the Ministry of Justice stated, “homes without a security system are 2.7 times more likely to be burglarized than homes with a security system”. Seems like that little sign out front can pull a lot of weight when it comes to burglars deciding on their next victim. Security systems can get expensive but there are many models on the market for DIY’s looking to save money. Did I mention this can save you money on your homeowners insurance? Plus this keeps you safe.
5. Add a smart water sensor to your home
A smart water sensor can alert you or the authorities of a major problem for homeowners. It detects water leaking from things like your toilets, refrigerator, hot water heater, dishwasher, and washing machine. This is an easy add for DIY’s and again potentially could save you money on your homeowners insurance so make sure if you install these devices to call your insurance agent to maximize your discounts.
6. Anchor large outdoor items
Living in areas susceptible to hurricanes and wind storms gives us an extra thing to consider. By anchoring down things like patio furniture and grills, you are making sure they do not turn into damaging projectiles that can damage property and even others.
Here’s a sponsored link to a useful example.
7. Seal up entry holes around your home
Damages from mice and other rodents happen more often than you may think. Take a walk around your home and look for any entry points that have developed that can be sealed. This is an extremely easy DIY project that can prevent insurance claims.
Prevent an Insurance Claim
As you can see, it does not take much to keep our homes and families safe
Remember that if you ever have damage or have questions on a claim, call your insurance agent first. They can help guide you in the claim process and give you advice from their experience. Feel free to reach out to me Here to get your questions answered on homeowner’s insurance.